Cost of living

If you need some support with your TSB loan, here’s how we can help with any Money Worries.

Top-up your existing loan

If you already have a TSB personal loan and are looking to borrow a bit more, you can request this online.

Want to borrow more on your existing personal loan?

When applying for additional borrowing within Internet Banking, you can tell us how much additional money you need or how much extra you can afford to pay each month by using our loan calculator. There are two options to help you decide what's right for you.

Option 1 Option 2

Combine your existing loan in a single payment

Keep your existing loan and take out a separate loan

Eligibility requirements

If you're looking to apply to borrow more, you need to:

  • hold an existing TSB Personal Loan (Please note that if you already have multiple loan holdings you cannot apply online. Please visit a branch or call us.)
  • be 18 or over and a UK resident only
  • hold the existing loan in your sole name or if it's a joint loan, come into branch
  • borrow a minimum additional amount of £1,000 (or £300 for TSB current account customers)
  • choose whether to apply for an additional loan or combine your existing TSB Loan and new borrowing (up to £50,000*) in a single monthly repayment
  • satisfy us that you can afford to pay back the loan
* To apply for a loan between £300 - £999 and 25,000 - £50,000 you need to hold a TSB current account.

What you need to know about additional borrowing

  • APR offered will depend on the amount you wish to borrow and your individual circumstances
  • before you accept our offer, the rate can vary and be withdrawn without notice
  • if you refinance any existing debts you may pay a higher rate of interest or make repayments over a longer term. This means that you may pay more interest overall 

Find out more about our loans, including fees and charges, by visiting our FAQs page.

Loans calculator

Get an idea of what a new loan could cost if you choose to take a second loan or refinance your existing one.




How to apply

To be eligible for our personal loan, you must:
  • be 18 or over
  • be a resident of the UK with no history of adverse credit
  • have had a TSB bank account for more than 3 months
  • make repayments by Direct Debit
  • be a permanent paid employee, self-employed or retired with a pension
  • Satisfy us that you can afford to pay back the loan
Apply online

If you're an existing customer, you’ll need your internet banking credentials to log in and apply. 

Apply now

Apply in a branch

If you’d like to arrange a convenient time to talk to us in branch about a loan simply click below to request an appointment. 

Adobe digital forms

We use Adobe Sign for this kind of request. Adobe will pass the information you provide to us in a secure manner and won’t process it in any other way. Information on how we use your data can be found in our Data Privacy Notice.

Apply over the phone

You can arrange a convenient time to talk to us about a loan over the phone. Lines are open Monday to Friday 8am-6pm. Calls are charged at a local rate.